Should I check that a builder has liability insurance before hiring them - even for a small job? How do I check the insurance policy? Call the insurance company? Thank you!
We are happy to give our insurance jobs out to clients before the works start
Not many customers will ask if you have any, they have the right to know for reassurance. This should be made clear before a quote has been accepted
You can ask them for a copy as usually sent by email to us now and if still unsure you can contact insurance comapny
The simple answer is that, beyond asking at the point of contact, there is no definitive way to know whether a business holds insurance until you raise a claim against them. But the importance of their cover to you as a contractor cannot be underestimated. As such, it is advisable to contractually stipulate that a supplier holds the business insurance you feel to be in your best interest.
The tradesperson should be able to provide you with certificates of insurance, anyone with insurance would be fine with you asking them as they are pretty easy to get hold of if you are insured, if they try and avoid showing you proof of insurance, stay clear and use someone else.
I think the best option on "how check liability insurance" is asking trader before start working.
Simple, ask your builder for a copy of his public liability certificate this will have the insurance or brokers details on . Give them a call quoting the policy number on the certificate and ask for comformation of validity.
When to ask we provide details before starting but you can ask at any time any reputable tradesman will be happy to oblige you.
The liability insurance should be checked before signing any contract, it is easy to check, Contractor should provide Insurance certificate to the client.
ask the builder for the ref number and you can check on line
If the company is insured then a copy of the certificate could be made available. In most cases small jobs are not as bad for insurance.
All people that work in your home should have insurance to a least 1million , you never know when an accident may happen . The trades person should tell you that they are insured and be able to send you a link showing the renewal date and company insured with.
Any good builder will happily show you the insurance documents and have no issue with you calling the company to check before breaking ground
Ask for his ins document and it will have a registered number on it.
..legally it is also required that the householder has house insurance and valid electrical safety cert for property before workman uses any socket
On the request Builder need to show you liability insurance certificate
Also you can call insurance company to check if the details are correct
It all depends on the job. If they are building a BBQ in the garden there is not much that can go wrong.
If they are removing a supporting wall then I would definitely request to see there liability insurance or company/number.